Metromile vs. Root: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Metromile or Root Insurance: Which company is best for you?
Comparing Root and Metromile car insurance is tricky: both of these carriers provides usage-based auto insurance that caters to infrequent or occasional drivers. Root Car Insurance — based in Colombus, Ohio — is a relative newcomer to the insurance space, having been founded in 2016. Metromile, founded in California in 2011, is Root's predecessor. Both of these companies derive premiums from mileage totals and rely upon technology to complement their pricing strategies: Root uses a mobile app, while Metromile has a telematics discount option. Compare Metromile and Root to decide which of these next-wave auto insurance options is right for you.
| Discount Comparison | Metromile | Root Insurance |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles |
|
|
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver |
|
|
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics |
|
|
| New Vehicle | ||
| Annual Mileage |
|
|
| Military |
| Ratings Comparison | Metromile | Root Insurance |
|---|---|---|
| Financial Strength | N/A | N/A |
| JD Power Rankings | N/A | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | Metromile | Root Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance |
|
|
| Travel Trailer Insurance | ||
| Renters Insurance |
|
|
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Metromile | Root Insurance |
|---|---|---|
| About | Metromile offers pay per mile car insurance that is ideal for people who don't drive a lot. You'll pay a low monthly rate, plus a charge based on the actual miles you drive. So if you don’t drive a lot, you can save a lot on car insurance. You can customize your coverage and select from the same options you're used to. Then, you'll plug in a small device into your car that counts your miles and lets you know what’s going on with your car at all times. At the end of the month, your bill will be a total of your base rate plus the number of miles you drive, so it can vary each month depending on how much you drive. Plus, you don’t have to worry about going “over” on miles. If you reach 250 miles (or 150 for New Jersey drivers) in one day, you won’t be charged for any more miles that day. | Root Car Insurance offers "car insurance for the way you drive." Its usage-based pricing model uses data gathered via telematics devices to price premiums based on mileage and driving habits, rather then demographic information. |
| Roadside Assistance | Metromile offers roadside assistance as an additional add-on to your insurance policy. This is designed to cover things like flat tires, being locked out of your vehicle, and immovable vehicles. | Root Car Insurance offers roadside assistance with every policy. |
| Additional Discounts | Metromile's primary additional benefit is that it caters to low-mileage or occasional drivers. For this reason, Metromile is a perfect fit for city drivers. | Root Car Insurance provides usage-based discounts based on driving behavior and mileage. |
| Top States | California Illinois New Jersey Oregon Pennsylvania Virginia Washington | Oregon Montana North Dakota Utah Arizona New Mexico Oklahoma Texas Louisiana Arkansas Missouri Iowa Illinois Indiana Kentucky Ohio Pennsylvania Delaware Maryland Mississippi |